Welcome to Cardpe Diem!
I first heard about credit card churning in college but was extremely skeptical. I thought, “isn’t it bad to open too many credit cards?” and “won’t it ruin my credit score?” At the time, I was happy with my 1% cash back credit card from Bank of America, and as a student, I didn’t have much time for travel anyway.
Flash forward to 2015 when my boyfriend began opening new cards for the sign-up bonuses. I enjoyed reaping the benefits — free nights at the Park Hyatt Chicago? Yes, please! Free flights with the Southwest Companion Pass, even better! Slowly, I started looking into it myself and learned some tips for opening cards while protecting my credit score. Over the past four years, I’ve received over $100,000 worth of travel benefits for pennies on the dollar. Highlights include our $60,000 honeymoon to Japan, Singapore, and the Maldives, traveling to Italy for less than $150 per person, and a points and miles trip to Peru.
With many more trips on the horizon, follow me as I hone my skills and plan vacations that are free or nearly free. In addition to posting tips and tricks for earning points and miles, I’ll be sure to detail how each trip is booked and itineraries for the trips once I’ve returned. As we say here at Cardpe Diem…seize the points! Thanks for reading.